UPDATED: Mar 13, 2020
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Cheap auto insurance in Kent, WA seems like it might be hard to find – but believe it or not, this isn’t always the case. Getting affordable car insurance in Kent is as easy as comparison shopping with us.
And trust us…we can make that comparison shopping experience extremely easy, no matter what your circumstances are.
Kent is nestled into the major metropolitan area at exactly the midpoint between Seattle and Tacoma. Following the Great Depression, local farmers gave Kent a reputation as the “lettuce capital of the world” due to a sudden and drastic shift in crops.
The current Kent Historical Museum used to be the mayor’s mansion where mayors of the town would reside after getting elected.
- Fun fact: Kent could use a visit from Katrina & The Waves, because this city is #13 on the “Top 100 Cities With the Lowest Average Sunshine Amount” list.
Auto Insurance Coverage Requirements in Washington
Driving legally in Kent requires:
|Bodily Injury Liability||25,000/50,000||100,000/300,000|
|Property Damage Liability||10,000||50,000|
|Uninsured Motorist Bodily Injury||Not required||100,000/300,000|
|Medical Payments||Not required||10,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||100 deductible|
Liability coverage. Huh. What is it good for? Absolutely everything if you care about protecting your financial assets. Liability coverage is the amount of insurance you purchase to protect you and your finances if you are found partially or completely at fault in an accident.
The cost of repairing or replacing the damaged property, medical expenses of the injured parties, and funeral expenses will be subtracted from the amount of liability coverage you purchase.
If you don’t purchase as much or more liability coverage than you need to cover those expenses, the injured parties can sue you in court and get the money you owe them that way.
So if you have valuable assets to protect, such as a home, savings accounts, or other such property, you’ll want to get as much liability coverage as you can reasonably afford.
Car insurance in Washington can cost a pretty penny. Your typical Washington driver is probably paying around $125 a month – or even more than that – just to stay legally covered on the road.
But there is a very real chance you can find more affordable premiums than that if you search with us. Just keep reading, and we’ll show you how easy it can be.
If the only thing that matters is a lower price tag, then you’re barking up the right tree by looking into SAFECO or Capital. But you should understand that price isn’t the only important factor when it comes to your car insurance.
Many people never have to file a claim or deal with their insurance provider beyond paying their monthly premiums; but those people are the lucky ones.
If you go with a cheap company hoping that you never have to file a claim, you can be in for a rude awakening if the worst ever happens and you have to deal with their customer service department.
Some people think that paying a few extra dollars a month for a policy from a company with solid customer service rankings and well-documented financial stability is worth the extra expense given the peace of mind they get.
The thing that surprises us most about Washington auto insurance is the number of people who come to us asking for help who don’t quite understand how the car insurance industry works.
And if you’re in the majority of confused drivers who are struggling with it yourself, that’s okay! That’s why we’re here. We want to help you learn how the industry works, what it means to you, and how you can use that knowledge to get yourself a more affordable price.
Which brings us to our first lesson: the major car insurance factors which calculate how much you should expect to pay for your monthly premiums.
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Major Car Insurance Factors in Kent
There are a dozen or more major and minor car insurance factors which will determine your overall risk. And when we say “risk”, we mean your risk for things such as getting into an accident, filing a claim as a result of that accident, and the severity/total cost of the accident.
The higher your risk and the more expensive the accident, the more you can expect to pay for your monthly premiums.
Your Zip Code
The population of Kent is 127,506 people where your average household is taking home around $65,423 per year in income. Why are these numbers important? Because they tell your insurance company two things: they tell your provider how many other drivers you are sharing the road with, and they tell your provider what the property values are like in your area.
High population is a bad sign that you are sharing the road with too many other drivers and therefore are at a higher risk for getting into an accident. But higher property values indicate lower crime rates, which mean that your vehicle is less vulnerable to things like auto theft and vandalism.
Even if you’re sharing the road with many other drivers, your insurance provider may give you some wiggle room and offer you a slightly lower rate if the likelihood of a serious accident isn’t that common in your city.
As you can see in the graph below, fatal accident statistics in Kent are pretty low – but, unfortunately, they certainly aren’t nonexistent.
If you’re worried about accidents raising your insurance rates, talk to your insurance agent about taking proactive steps to prove your safety and responsibilities behind the wheel.
Some areas offer defensive driving courses that could get you a discount if you pass them.
Auto Thefts in Kent
The most recently recorded data shows that there were 1,007 stolen vehicles in Kent reported last year. Compared to similarly-sized cities in Washington, that is a very high number.
Not only will that make your car insurance rates spike in general, but you’ll see even higher numbers if you happen to have a vehicle that is particularly vulnerable to auto theft.
Taking proactive steps to make sure that your vehicle is less attractive to would-be thieves and vandals is a great way to get some discounts and lower your risk.
If you don’t have an alarm system installed in your car already, be sure to get one! And don’t be afraid to ask your insurance agent if there are any other steps you can take to further protect your vehicle and get additional discounts.
Your Credit Score
If you have good credit, then you’re in luck! You’re automatically eligible for a lower rate off your auto insurance premiums. This is especially true if you’ve had your current auto insurance policy for a while and if your credit score has gone up since you started paying for that policy.
You should first contact your current insurance company to see if they’re willing to reevaluate your credit and lower your premium based on that.
If they won’t or if they say they already have, then you’ll know you won’t be missing out on any savings opportunities by shopping around for a better price.
The younger you are, the more likely you are to suffer from exorbitantly high monthly auto insurance premiums. There are several reasons for this. In general, the less experience you have at anything, the more likely you will be to make mistakes.
But when it comes to driving, making those mistakes can be very expensive or even deadly – and statistics show that teenage and young drivers under the age of 25 are the most likely to make these mistakes.
Good grades and driver’s education can get you some decent discounts, but at the end of the day, only time will make the biggest difference.
Your Driving Record
What does your recent driving history look like? The fewer tickets, accidents, and filed claims you have within the last three to five years, the better of a position you are in to save money off your premiums.
Having fewer accidents or no tickets shows your insurance provider that you are unlikely to get into an accident and file claims in the near future. They will reward you for this with a lower monthly premium.
The older year vehicle, the less coverage it requires, the higher its safety standards, and sometimes even the color can all work together and lower your overall premium. But your insurance company needs to know these facts before they can give you the most accurate quote possible.
Since younger, more expensive vehicles require more coverage, you will likely see your rates go up if you happen to own a vehicle like that.
Minor Car Insurance Factors in Kent
Of course, tweaking some of the factors below can add up to some extra savings over time:
Your Marital Status
Married people seem to have a lot of advantages in life; getting a better price on car insurance is merely one of them.
Being married alone may only get you a percentage point or two off your premiums, but bundling together with your spouse can improve your savings by as much as 10 percent or more!
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Do men or women get charged more for their car insurance these days? That’s a difficult question to answer because everyone seems to have their own opinion on the subject. If you’re unsure where your insurance company stands on the issue, simply ask them.
You may also want to ask around to verify that their answer is genuine and honest. But if you happen to be the gender that they are charging more money for, then we strongly suggest you start shopping around for a new provider with us today.
Your Driving Distance to Work
The amount of time you spend driving to work each day along with the number of drivers you share the road with will have a huge impact on your likelihood of getting into an accident. Some drivers in Kent may spend as little as 15 minutes on average getting to work while others may spend as much as 35 minutes or more.
Given that, and the fact that 73% of employees drive to work solo as opposed to taking public transportation or joining the 11 percent minority of people who carpool to work, you might have higher odds of getting into an accident going to and from work than you would driving at any other time.
If there’s any way you can alter your total mileage or the times of day you usually drive in a safer direction, the better. Driving fewer miles means you’re spending less time on the road and minimizing your exposure to get into an accident.
Also, driving during off-peak hours means you’ll be driving under safer conditions and that much less likely of getting into an accident.
Many car insurance companies offer you different types of technology for recording your miles and driving time so that you can get discounts. You could end up saving 30 percent or more!
Your Coverage and Deductibles
Did you know that you can significantly lower your monthly premium by raising your deductible? Some insurance companies give you the option of setting different deductible limits for your comprehensive and collision coverage separately.
Comprehensive coverage will make the biggest difference on your monthly premium because it is used more often and usually costs more money when claims are filed against it.
But you can still get a small amount of savings by altering your collision coverage deductible too.
Education in Kent, WA
22 percent of Kent residents have earned a high school diploma, while another 19% have yet to get that or to complete their general education coursework. This is a shame because that means that 41% of drivers in Kent are missing out on higher education discounts which many car insurance companies are offering these days.
But it’s never too late – so if you do decide to go back to school, you have one extra boon to look forward to once you get that degree.
Part of the reason higher education rates may be So low in Kent might have to do with the fact that there aren’t any major universities located within the city limits.
But residents can enroll in the University of Washington-Tacoma or the University of Puget Sound if they’re willing to drive a little over 10 miles away. There are also community colleges nearby like Green River Community College, as well as various Tech schools.
It’s a shame that so many motorists are still paying more than they should have to for their car insurance these days. But you don’t have to be one of them.
In a matter of minutes, we will present you with several free, accurate quotes that are lower than what you’re paying now!
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home.
Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.